A BANK LOAN WITHOUT THE HASSLE

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2 A BANK LOAN WITHOUT THE HASSLE 2

3 A BANK LOAN WITHOUT THE HASSLE ARF Financial has built relationships with banks around the country, so you can acquire a bank loan fast without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need rapidly, with manageable payments that won t increase as revenue grows. Loans from $5,000 to $1,000,000 per location Collateral is not required on amounts up to $725,000 Flexible terms up to 36 months There is very little paperwork Approvals are normally granted within 48 hours Fundings in as little as 3 to 5 business days Repayment is not tied to your credit card transactions The interest is tax deductible We offer early payoff options 3

4 LEVERAGING BUSINESS OPPORTUNITIES SINCE

5 LEVERAGING BUSINESS OPPORTUNITIES SINCE 2001 ARF Financial is a commercial lender licensed in the State of California that: Partners with state chartered FDIC-insured banks across the country Provides working capital & lines of credit for merchants nationwide Has over 15 years of lending experience Employs a full-time staff of financing professionals across the country Has helped more than 6,000 businesses obtain approvals on thousands of loans with proceeds in excess of $600,000,000 5

6 EXPERTS IN YOUR INDUSTRY 6

7 EXPERTS IN YOUR INDUSTRY ARF Financial has specialized expertise in providing financing options to a broad range of businesses: Restaurants, Bars & Taverns Hotels, Motels & Inns Automotive Repair & Service Doctors, Chiropractors, Dentists & Orthodontists Salons & Spas And many other Business Retailers 7

8 THE RIGHT FINANCING TO MEET YOUR NEEDS 8

9 THE RIGHT FINANCING TO MEET YOUR NEEDS ARF Financial provides the financing you need quickly to act on growth opportunities like the following: Opening another location Hiring additional staff Buying new equipment Purchasing additional inventory Renovating and/or expanding your existing facility Starting an advertising or marketing campaign to attract more business 9

10 THE RIGHT FINANCING TO MEET YOUR NEEDS And when there are bumps in the road, ARF Financial has your back when you have: Slow periods Seasonal revenue fluctuations Cash flow difficulties Large tax payments due And any other financial challenges 10

11 INNOVATIVE LOAN PRODUCTS 11

12 INNOVATIVE LOAN PRODUCTS WORKING CAPITAL LOANS Working capital loans are ideal for those business operators who are experiencing strong performance, but need an injection of capital to take advantage of growth opportunities, without giving up equity. LINES OF CREDIT A line of credit enables you to access the funds you need to get down to business with the simple flourish of a pen. ARF Financial lines of credit puts the power in your hands. And you only pay interest on what you actually use. BRIDGE LOANS A bridge loan is the perfect choice if you are waiting on conventional financing, making a large equipment purchase, or opening a new location. It is also a much cheaper alternative to acquiring equity partners to raise capital. FLEX PAY LOANS Many merchants simply don t dream big because they can t afford to borrow the funds they need. Flex Pay solves that problem! Flex Pay allows merchants to defer 25% of their loan principal into the future, resulting in materially lower payments now! 12

13 COMPARE US WE RE THE BETTER CHOICE 13

14 COMPARE US WE RE THE BETTER CHOICE ARF Financial s Unsecured Bank Loans are better for your business than Merchant Cash Advances. Our Business Loans with fixed weekly payments allows you to keep the additional profit generated from your hard work. Why an Unsecured Business Loan Works Why a Cash Advance Doesn t Work With a Merchant Cash Advance, the more successful you are, the faster the Cash Advance Provider gets paid. This escalates the effective rate you are paying, sometimes to astronomical heights. 14

15 COMPARE US WE RE THE BETTER CHOICE BENEFITS ARF FINANCIAL UNSECURED BUSINESS LOAN MERCHANT CASH ADVANCE Transparency Yes, all Unsecured Business Loans have transparent loan terms including detailed rate, term, total payback and payment amount. No, the agreement fails to identify the actual rate of interest being charged, the term of the payback and the amount of the payment. Line of Credit Yes, available to all borrowers who take less than their approved loan amount. No, Cash Advance providers don t offer typical bank features like this, because their product is not a loan. Ability to Pay Off Early Yes, Unsecured Business Loans have options to be paid off early and business owners only pay interest for the time they keep the money. No, merchants are forced to pay the entire balance with no discount. Longer Terms 12 to 36 Months Yes, cash flow is king. We offer longer terms with lowest payments in the industry. No, the typical repayment term is between 6 and 9 months. 15

16 COMPARE US WE RE THE BETTER CHOICE BENEFITS ARF FINANCIAL UNSECURED BUSINESS LOAN MERCHANT CASH ADVANCE Larger Loan Amounts Yes, loan amount is derived from a business total sales cash plus credit card sales not just credit card sales. No, loan amount is derived from credit card sales only. Professional Support Tax Benefits Payment Via ACH Trust & Credibility Yes, full time professional Loan Officers provide advice, counsel and support to the business for growth and financing. Yes, interest charged is an ordinary business expense and is tax deductible. Yes, fixed weekly payments are deducted from the business s checking account, with no lockboxes or need to switch credit card processors. Yes, ARF Financial has over 15 years of lending experience and partners with state chartered FDIC insured community banks across the country. No, Merchant Cash Advances are typically sold by independent sales organizations that are more concerned about pushing cash versus learning what the business truly needs. No, Merchant Cash Advances represent future sales sold at a discount and have no clear tax benefit to the owner. No, payments fluctuate based on the merchants credit card volume, as revenue increases, so do the amount of the payments. Do you really know who you are borrowing from? 16

17 YOU RE IN GOOD COMPANY Here are just a few of the clients we ve had the pleasure of serving. 17

18 SERVICING MORE THAN JUST LOANS. We see ourselves as true business partners to our clients. Perhaps that s why so many of them turn to us time and time again to help fund their success. Unlike many of our competitors, we have expert loan officers ready to advise you. Not only do they help you during the application process, they stay engaged throughout the term of the loan to help you reach your financial goals. 18

19 Merissa Thomas Vice President of Sales Operations Phone: (253) Fax: (253) Web: Imagine what you could do with additional working capital. We can make it easy. Contact me today. I'll work hard to get you the funds you need to make your business more profitable! A Licensed California Lender # and a California Limited Liability Company. Loan approval, loan amount and interest rate are based upon applicant s credit worthiness and A.R.F s standard underwriting guidelines. 19